Breaking Agreements.

I am seriously enfuriated by what's happened this morning and the inability to get hold of Metropolitan makes it worse. My funeral policy with Metropolitan was debited on the incorrect date without prior communication, subsequently it bounced and I was charged a penalty fee by my bank. Now according to my policy with you if you don't receive payment my policy will not continue now this is wrong because firstly I did not instruct or authorize a debit order two days prior to the agreed debit date. I need my policy to debited so that it's up to date and I hold you liable for the R110. 00 fee I was charged as the bank has stated they will not be reversing the fee. Do you know the impact of an unpaid fee on my account. It means what ever credit applications I may have had will be declined due to my inability to keep my account up to date.